Montana Senior Health Insurance
Explore Your Options
Montana, also known as the Treasure State, has much to offer its retirees. Montana has everything from mountains to lakes, museums to parks and almost everything in between. This is one of the many reasons that people decide to retire in Montana. Once you become Medicare eligible it is important to know what your Medicare Insurance options are. Living in Montana you have the option to get a Medicare Supplement Plan (or Medigap), Prescription Drug Plan or a Medicare Advantage Plan.
Medicare Supplement Plans are standardized by the government and offer plan types ranging from A-G. Plans range in benefits as well as premium cost. These state specific plans allow you to see any doctor nationwide as long as they accept Medicare. This plan is used in conjunction with your Medicare Parts A and B. There are many more benefits covered by this type of policy. To see if a Medicare Supplement Plan is a good fit for you and to get rates in your area call a MySeniorHealthPlan.com Specialist today.
Because Medicare Supplements don’t include prescription drug coverage, they are often paired with a stand-alone Prescription Drug Plan. Prescriptions are covered based on their tier level, which is located on each plan’s formulary. It is important to understand if your prescriptions are covered by the plan you sign up for and their associated costs. Not taking any prescriptions? Most people still enroll into a Prescription Drug Plan to avoid getting the Part D penalty. Another reason that it is important to have prescription drug coverage is to ensure that you are covered should you need prescriptions in the future. If you need Extra Help paying for your prescriptions, please visit http://www.socialsecurity.gov/medicare/prescriptionhelp/
Similar to other states, Medicare Advantage Plans are offered in Montana based on county. There are options of HMO or PPO plans. These are network-based plans that you can typically obtain at a lower cost. Most Medicare Advantage Plans include prescription drug coverage. To find out what Medicare Advantage plans are available in your county please call a MySeniorHealthPlan.com specialist for assistance.
Some Montana residents also have coverage through Indian Health Services. The relationship between the Federal Government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare & Medicaid healthcare services accessible to all Native Americans who are eligible. For more information visit http://www.cms.gov/Outreach-and-Education/American-Indian-Alaska-Native/AIAN/
Senior Resources:
Indian Health Services: http://www.ihs.gov
Medicare: www.Medicare.gov
State Site: www.montana.gov
Social Security: http://www.socialsecurity.gov/medicare/prescriptionhelp
